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This presentation contains, or may be deemed to identify forward-looking statements. contain, forward-looking statements. These By their nature, forward-looking statements involve statements relate to future events or future financial risks and uncertainties because they relate to events Nothing in this presentation constitutes investment performance of Ferratum. and depend on circumstances that may or may not advice and this presentation shall not constitute an occur in the future. Future results may vary from the offer to sell or the solicitation of an offer to buy any Such statements are based on the current results expressed in, or implied by, the forward- securities of Ferratum or otherwise to engage in any expectations and certain assumptions of Ferratum’s looking statements, possibly to a material degree. investment activity. management, of which many are beyond the Ferratum’s control. The words "aim", "anticipate", All forward-looking statements included herein are "assume", "believe", "continue", "could", "estimate", based on information presently available to "expect", "forecast", "guidance", "intend", "may", Ferratum and, accordingly, Ferratum assumes no "plan", "potential", "predict" "projected", "risk", obligation to update any forward-looking "should", "will" and similar expressions or the statements, unless obligated to do so pursuant to an negatives of these expressions are intended to applicable law or regulation. FE-Classification: General\Anyone

Solid revenue growth of +19.1% y-o-y and EBIT of EUR 9.7m – both within our EBIT guidance for 2019 of > EUR 45m ▪ Group revenues grew with +19.1% y-oy to EUR 73.2m, largely driven by Credit Limit which grew y-o-y by +34% and contributed with 53% to Group revenues ▪ Q1 2019 EBIT at EUR 9.7m (margin at 13.3%) and within EBIT guidance ▪ Credit losses in Q1 2019 above average due to strong growth of loan sales in Business Lending in Q1 2019 and delayed effects from consumer lending activities in Q4 2018, especially in the PlusLoan segment Strong execution and growth momentum in SME loan volume as outlined in our key priorities for 2019 ▪ Record in Q1 with loan sales of EUR 10m+ in one month ▪ Loan volume increased by 67% to EUR 62m y-o-y Subsequent events: EUR 80m placed in bond issue - bond received BB- rating from Fitch (same as Group) ▪ Appointment of new non-executive Board members increases platform, marketing and technology expertise to support us in rolling out ▪ our digital global financial platform Pieter van Groos joining executive management as Ferratum Bank CEO, leading all of our consumer lending business and countries ▪ 4 FE-Classification: General\Anyone

Years profitable Countries growth 2019 Expectations and Key Priorities Consum sumer r Busines iness Mobile ile Bank nk ▪ EBIT expectation > EUR 45m Loans ns loans ns 1% of revenues nues 91% of revenues nues 8% of revenues nues ▪ Management focus on a further improvement of operational leverage, cost discipline and loan portfolio quality Q1 2019 Year-on-year Q1 2019 ▪ Driving growth in SME Lending and Credit Limit revenue revenue growth EBIT ▪ Prime Loan rollout ▪ Migrating Finland and Denmark under the bank Founded EU Banking Frankfurt ▪ Launching and testing of our newly developed and Helsinki 2005 Licence Prime Standard designed platform + mobile banking wallet 5 FE-Classification: General\Anyone

Revenue share of our core products PlusLoan, Credit Limit, SME and Primeloan increased from 82% in Q1 2018 to 86% in Q1 2019 Average Average Revenue 3M Revenues by Active Products Loan Comments Loan Value Share Product (€,000) Markets Term Primeloan 2018 123 (incl. Mobile Bank ) Sweden launched in April +572.5% y-o-y • €6,416 5.2 years 1.1% 3 (5) €3,000 – €20,000 / Average loan value increased by 14% y-o-y 2019 • 830 1 – 10 years Poland launched in January • 2018 5.508 Business (SMEs) Record month in March in loan sales • 8.3% +10.4% y-o-y Up to €250,000 / €13,830 429 days 9 Relatively low revenue growth due to strong • 2019 6.083 6 – 24 Month term comparable revenues in Q1 2018 +34.0% y-o-y 2018 28.901 Credit Limit Average loan value increased by 13% y-o-y • 52.9% Up to €3,000 / €1,284 N/A 10 Credit Limit remaining main revenue driver • 2019 38.718 Digital revolving credit line in Q1 PlusLoan 2018 15.852 Stricter scoring in selected markets • 23.3% +7.8% y-o-y €300 – €5,000 / €757 353 days 9 contributed to moderate sales growth 2019 17.088 2 – 36 month term Microloan 2018 11.058 14.3% €25 – €1,000 / €215 29 days 13 Revenues decreased as per strategy • -5.3 % y-o-y 7 – 90 day term 2019 10.478 6 FE-Classification: General\Anyone

Executing key priorities for 2019 resulted in an increase of 85.9% in loan volume y-o-y for SME and Primeloan, representing 21.0% of total loan volume in Q1 2019 (14.6% in Q1 2018) LOW LOAN AMOUN MOUNT HIGH All products are based on the same principles: Full digital setup and high user convenience, PRODUCT: SOLU LUTI TION: real-time, paperless LONG SME SME – Business loan offering for small and medium size companies Primel eloan an Prim imeloan an - strategic product for entering larger segments, launched already in three TURITY countries MATU Credit Limit Credi dit t Limit it and d PlusLoan sLoan continue to be the main components of revenue PlusLoan an Micro rolo loan an strategically utilized primarily as a product to enter new markets, share reduced in current markets SHORT Microloan HIGH APR APR LOW 7 FE-Classification: General\Anyone

Non-executive Board members bring a variety of key expertise for Ferratum to build its global financial platform Juhani Vanhala (Chairman) ▪ Joined Ferratum Board in 2005 ▪ Part time senior advisor for Empower Group, Valor and Mantec and currently serves on the Boards of Vahanen International Oy, There Corporation ▪ Oy, GordionPro Oy and as Chairman of the Board of Fira Group Oy and Workspace Oy Studied engineering in Finland ▪ Extensive senior management and Board experience and platform strategist ▪ Christopher Wang ▪ Joined Ferratum Board in 2017 ▪ Managing partner and co-founder at J&W Partners Co. Ltd., a private equity firm based in Seoul, South Korea ▪ Doctor of Law from the University of Chicago Law School and licensed attorney under the State Bar of California ▪ 15+ years of experience as transactional lawyer and investor operating in the Asian market ▪ Prof. Dr. Michael Cusumano ▪ Professor of Management at MIT in Boston, USA, specialized in strategy, product development and platform strategies ▪ Education from Princeton University and Harvard University ▪ Published 14 books and 120+ articles. Most recent book: The Business of Platforms: Strategy in the Age of Digital Competition, Innovation, and ▪ New Board members Power (2019, with Annabelle Gawer and David Yoffie) Prof. Dr. Goutam Challagalla ▪ Faculty Director of Digital Marketing Program at IMD Business School in Lausanne, Switzerland, specializing in digital transformation, sales ▪ management and customer service excellence PhD from University of Texas, Austin, USA ▪ Published in top marketing and management journals and recipient of the Maynard Award ▪ Kati Hagros: ▪ Chief Digital Officer at Aalto University, Helsinki, Finland ▪ Extensive experience in international high technology businesses (e.g. Nokia, Kone) ▪ Recognized thought leader in digitalization, ICT, cyber security, process development and quality ▪ M.Sc. In Social Sciences from University of HElsinkiHigh technology business, digitalization ▪ Fredrik Strange: ▪ Advisor to the Group CEO of PFA, Europe´s 7th largest pension fund ▪ M.Sc. in international Business & Economics at Copenhagen Business School, Denmark; CEMS Masters in International Management from St. Gallen ▪ University in Switzerland & CBS, and currently completing eMBA at IMD Business School 8 International leadership experience from Danish Army, shipping industry and financial services ▪ FE-Classification: General\Anyone